21158 Mill St, Cape Charles, VA 23310 Property Records

Northampton County property record for 21158 Mill St, Cape Charles, VA 23310

Property Summary

Property Type	Single Family Home
Details	1 ba · 312 sqft · built 1991
Lot Size	0.664 acres (28,967 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2021)
Tax Bill	$1,274 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`84C3-13-A3`

Property Details

APN / Parcel Number

Primary APN	`84C3-13-A3`
Alternative APNs	`10003914` `15909`

Interior

Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	312 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,967 sqft (0.664 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Heating Fuel	Gas

Location & Zoning

Account Number	10003914
Street Address	21158 MILL ST
City	CAPE CHARLES
State	VA
Zip	23310-3737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR A3 PAR A3
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	2
Census Block Group	1
Census Block	1018
Census Tract	930301

Owner

Source: Northampton County records, as of March 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	107 DOBBS DR, STATESVILLE, NC 28625-1942
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Sep 29, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FEDERAL CREDIT UNION
Jan 13, 2020	Warranty Deed, Transfer · Conventional Mortgage FULTON BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Jan 13, 2020 · Amount on File
Deed Document Number	210002469
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	21158 MILL ST, CAPE CHARLES, VA 23310-3737
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000162
Date	Jan 30, 2019
Instrument	190000162

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	477 Months
Due	Oct 1, 2058

Interest

Rate Type	Adjustable Rate
Rate	6.25%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Sep 29, 2021
Property Address	21158 MILL ST, CAPE CHARLES, VA 23310-3737
Document Number	210002469
Instrument Date	Sep 23, 2021
Instrument	210002469
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	A AND N TITLE AND SETTLEMENT, A&N TITLE & SETTLEMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 DOBBS DR, STATESVILLE, NC 28625-1942

Mortgage

Document Number	210002470
Date	Sep 29, 2021
Instrument	210002470

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.63%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Jan 13, 2020
Property Address	21158 MILL ST, CAPE CHARLES, VA 23310-3737
Document Number	0200000082
Instrument Date	Dec 3, 2019
Instrument	200000082
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21158 MILL ST, CAPE CHARLES, VA 23310-3737

Mortgage

Document Number	0200000083
Date	Jan 13, 2020
Instrument	200000083

Lender

Name	FULTON BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Northampton County
Municipality	Cheriton Town
Unified School District	Northampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,274.00 (+9.64%)	$180,800 (+18.25%) Land $37,400 Building $143,400
2024			$180,800 (+18.25%) Land $37,400 Building $143,400
2023	$1,162.00	$152,900 Land $27,500 Building $125,400	$152,900 Land $27,500 Building $125,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2009–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Eastern Shore of Virginia Broadband Authority Fiber	200 / 200

May also be available: T-Mobile.

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